For many of us, rebuilding credit feels like a roller coaster—progress, setbacks, and the frustration of starting over. In this episode, Frances shares how her own ups and downs with credit mirrored her weight loss journey, and why consistency—not perfection—is what makes the difference.

Reflection Questions

• How have I allowed my credit score to shape the way I see myself?

• What small habits could I put in place to move my score forward?

• How might rebuilding credit give me more peace of mind and freedom in the future?

Action Steps

1. Pull your credit report this week and review it for accuracy.

2. Set up one bill on automatic payment to avoid future late fees.

3. Choose one small debt or account to pay down consistently.

Breadcrumb for Today

Rebuilding credit doesn’t happen overnight, but each small, intentional step moves you closer to freedom and peace of mind.